Fresno has 545,970 residents in 180,450 households. We list 12 agencies for home insurance in Fresno. Here is what the local numbers say about the cover people here need.

Fresno at a glance

12home insurance agencies listed
49.9%of households rentRenters insurance
$374,800median home valueHome insurance
1980median year homes were builtRebuild cost calculator
8.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Fresno County

FEMA rates the overall natural hazard risk in Fresno County, where most Fresno agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Fresno
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Fresno
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Fresno

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Fresno How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

Insurance companies Fresno agencies work with

Of the 12 Fresno agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers7 agencies
American Modern6 agencies
Liberty Mutual5 agencies
Liberty Mutual (Safeco)5 agencies
Nationwide5 agencies
Nationwide (Allied)5 agencies
Nationwide (Colonial)5 agencies
Safeco5 agencies
The Hartford5 agencies
AmTrust4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Fresno agencies are

Fresno agencies we list sit in 7 ZIP codes, mostly in Fresno County.

937204 agencies
937112 agencies
937222 agencies
937041 agency
937101 agency
937211 agency
937291 agency

Questions

Home insurance in Fresno

All insurance agencies in Fresno · Home insurance across California

Where can I find home insurance in Fresno?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Which insurance companies do Fresno agencies work with?

Among the 12 Fresno agencies whose appointments we hold, the companies they are most often appointed with are Travelers (7), American Modern (6), Liberty Mutual (5), Liberty Mutual (Safeco) (5), Nationwide (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Fresno?

FEMA's National Risk Index rates inland flooding risk in Fresno County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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